UK Christian Charities CAP and CMA Merge to Rescue 8 Million Britons Drowning in Debt
Christians Against Poverty merges with Community Money Advice creating UK largest specialist community based debt advice charity with nearly 400 centres.
Why Are Two Major UK Christian Charities Merging to Fight the Debt Crisis?
Christians Against Poverty (CAP) has officially merged with Community Money Advice (CMA) to form the United Kingdom's largest specialist community based debt advice charity. The announcement was made ahead of Debt Awareness Week.
The combined organization will operate nearly 400 centres housed in local churches and community groups across the UK. Together they will field over 1,000 trained debt advisors, mentors, and coaches serving struggling families.
CAP has helped approximately 250,000 people escape debt over its 30 year history. The new CAP Group structure keeps both charities intact while uniting them under one parent body led by Group Chief Executive Stewart McCulloch. Julian Mander continues to chair CMA.
Together we have a powerful and united front against debt.
Stewart McCulloch, CAP Group Chief Executive, said the merger signals a new era of coordinated Christian response to Britain's worsening financial crisis.
Government figures reveal that 13.4 million UK residents now live in relative poverty, including 4 million children and 1.69 million pensioners. An estimated 8 million adults are facing what officials describe as crisis levels of debt.
This partnership ensures the Church remains at the very heart of professional, compassionate debt advice.
A CAP spokesperson emphasized that local congregations will remain the delivery point for hands on support. The merged entity will offer three core services: financial education, regulated debt advice through partner agencies, and targeted charity support for community organizations.
How the CAP Community Money Advice Merger Will Rescue Millions from Debt
Martin Lewis, the founder of MoneySavingExpert and one of Britain's most trusted consumer finance voices, endorsed the work of the charity.
CAP has long been a force for good in debt counselling.
David Nussbaum, CAP Chair, said the merger represents practical hope for families who have nowhere else to turn.
This partnership is a big boost for hope and practical assistance.
With relative poverty in the UK having increased by half a million people in the year to March 2025, the charities say the expanded network is urgently needed. Many debt sufferers say they want face to face help inside their own communities rather than phone or online only services.
The Crusader's Opinion
While the secular state drowns families in crushing debt and offers nothing but cold bureaucracy, it is the Church, yet again, stepping into the gap to rescue the broken. Eight million Britons trapped in financial ruin is a moral catastrophe, and the political class has no answers. CAP and CMA together show what Christian love in action actually looks like: boots on the ground, in the parish hall, fighting for real families. Every pound Christians give to this work is a rebuke to a godless system that creates the very misery it refuses to heal.
Take Action
- Donate to The Shepherd's Shield to support frontline Christian charitable work: www.TheShepherdsShield.org
- Support Christians Against Poverty directly and help fund a debt centre in a UK church: capuk.org/donate
- Volunteer with or donate to Community Money Advice: www.communitymoneyadvice.com
- Ask your church leadership to host a CAP debt centre in your local community
- Share this article with someone you know who is struggling with debt and needs Christian support
- Pray for the 13.4 million Britons living in poverty, and for the advisors serving them
